About Debit Card EMI

Offer Debit Card EMIs to your customers at Razorpay Checkout. Check the payment flow and supported Banks.

Using Razorpay, you can let your customers use Debit EMI as a payment method to buy various products on EMI using their Debit Cards without paying the entire amount immediately. Razorpay support EMIs on debit cards issued by

. EMI is available by default on Razorpay Standard Checkout. No additional integration is needed.

Watch Out!

Instant Refunds are not supported on EMI, Cardless EMI, and Pay Later.

Given below is a list of banks that support Debit Card EMIs.

Bank CodeIssuer Bank
INDBIndusInd Bank
KKBKKotak Mahindra Bank

Handy Tips

Check the

and the minimum amount charged by the banks.

Customers select the products on your website or app and proceed to Checkout.

On the Checkout page, the customers:

  1. Enter the Phone Number and click Proceed.
  2. Select EMI as the payment method and click Pay Now.
  3. Enter the OTP sent to their mobile number if they want to use their saved cards and click Verify.
  4. Select Debit Card and click Continue.
    Select debit card payment option on checkout
  5. Choose a bank from the list and select the EMI tenure. Click Select EMI Plan.
    EMI tenure and click Select Plan
  6. They enter the relevant card details and click Pay via EMI. If the customers are not eligible, they can pay the full amount.
    Pay via EMI
  7. Choose if they want to Pay and Save Card or Pay without Saving Card.

After the successful payment, Razorpay redirects customers to your application or website. Customers' monthly statements will reflect the EMI amount with interest charged by the bank.



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